Salary & CTC to In-Hand Calculator
● FY 2025–26 Tax CompliantConvert your CTC (Cost to Company) into monthly in-hand salary after standard statutory deductions.
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Statutory DeductionsFrequently Asked Questions
What is the difference between CTC, Gross Salary, and In-Hand Salary?
• CTC (Cost to Company): Total annual expenditure incurred by an employer on an employee, including direct compensation, indirect benefits, employer PF contributions, gratuity, and health insurance subsidies.
• Gross Salary: The total remuneration amount paid to the employee prior to applying statutory employee deductions (such as EPF employee share, Professional Tax, and Income Tax TDS).
• In-Hand (Net) Salary: The actual monetary figure credited directly into the employee's bank account every month after all mandatory and statutory tax withholdings.
Can I opt out of Provident Fund (PF) contributions?
Yes, under EPFO regulations, if your starting Basic Salary exceeds ₹15,000 per month at the time of joining your first job, you are eligible to opt out of the Employee Provident Fund scheme using Form 11. However, if you have ever been an active member of the EPFO in previous employment or if your initial basic was ₹15,000 or lower, enrollment remains compulsory.